So GE doesn't like me?

So GE doesn't like me?

I'm always seeing threads about GE and their credit line increases and I've always wondered what my wife and I are doing wrong. I have:

GE Banana Republic..Opened 2-12 Never Used $400 Limit never increased

GE Care Credit... Opened 10-2009 $500 Limit forever Carried a balance over the course of 2 years with PIF 3 times..Declined many tines for increase speaking to someone..Finally increased to $3500 limit by phone electronic request. Zero current balance

GE Walmart: Opened 10-2010 Initially $700 limit then $900 then $1100 but nothing in over a year. Carried a balance off and on...PIF several times...Zero balance since early this year. Requested increase over phone electronically..Declined. Zero balance last 6 months

GE Walmart Discover: Opened 03-2012. Initially $1,000... Made a few small charges. PIF always but no increase.Zero balance Last 5 months.

GE Chevron Gas: Opened 10-10... Used a fair amount..$700 line initial...Carried a balance off and on 8 months...Never increased..not used last 6 months.

GE Lowes: Opened 3-2012 Carried balance....Paid in full several times...No increase.

Re: So GE doesn't like me?

Sounds like you would be a great candidate for calling underwriting(GE Credit Solutions). On my wally card I went from $400 to 10K in 1 year. All rules(including the 4 month rumor) are thrown out the window when you call them. Good Luck.

Re: So GE doesn't like me?

I received the first and only automatic increase from them after about nine months of having the card. I charged it up almost to the limit and let the balance sit for a while (no interest) and when I paid it off, I got the increase. Recently, I kept being denied by the system and told their policy would not allow it. I finally rang customer service and they transferred me to an analyst. She said she didn't know what the letter was on about, but she could do the request herself. A few moments later she double the line as I asked.

I recommend speaking with someone to so if you can get the increase manually.

Re: So GE doesn't like me?

flowfaster wrote:

Sounds like you would be a great candidate for calling underwriting(GE Credit Solutions). On my wally card I went from $400 to 10K in 1 year. All rules(including the 4 month rumor) are thrown out the window when you call them. Good Luck.

How did you do that ? from time to time ??? How much did they increase each time ???

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation.
Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies.
Many factors affect your FICO Scores and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating.
FTC's website on credit.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.